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21995.85

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72488.99

-152.05 (-0.69%)
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Nifty
Sensex

:
:

21995.85
72488.99

-152.05 (-0.69%)
-454.69 (-0.62%)

GIC Housing Finance Ltd.

Finance - Housing

Rating :

44/99

BSE: 511676 | NSE: GICHSGFIN

Watchlist

NSE BSE

208.70

18-Apr-2024

Open
High
Low
Previous Close

216.00
216.00
207.75
212.50

Volume
Traded Value (lacs)
52 Week High
52 Week Low

243559
516.68
292.40
157.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

1,124.44
7.50
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,839.89
2.16%
0.63

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

5.98
-1.86
-3.24

EBITDA CAGR (%)

10 Years
5 Years
3 Years

4.31
-5.34
-2.41

PAT CAGR (%)

10 Years
5 Years
3 Years

8.13
4.41
26.40

P:E (Median)

8 Years
5 Years
3 Years

4.47
4.73
4.73

P:BV (Average)

8 Years
5 Years
3 Years

0.47
0.60
0.60

EV:EBITDA (Average)

8 Years
5 Years
3 Years

8.06
10.39
10.39

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Net Sales 261.11 280.81 -7.02% 267.59 278.94 -4.07% 268.43 273.98 -2.03% 281.17 288.22 -2.45%
Expenses 40.97 15.82 158.98% 46.66 30.07 55.17% 42.43 52.55 -19.26% 28.21 47.91 -41.12%
EBITDA 220.14 264.99 -16.93% 220.93 248.87 -11.23% 226.00 221.43 2.06% 252.96 240.31 5.26%
EBIDTM 84.31% 94.37% 82.56% 89.22% 84.19% 80.82% 89.97% 83.38%
Other Income 1.78 3.47 -48.70% 2.59 1.92 34.90% 2.61 2.37 10.13% 6.22 1.73 259.54%
Interest 175.72 178.25 -1.42% 179.32 175.56 2.14% 183.01 170.49 7.34% 178.19 165.61 7.60%
Depreciation 3.90 2.00 95.00% 3.62 2.06 75.73% 3.67 2.41 52.28% 3.47 3.06 13.40%
PBT 42.30 88.21 -52.05% 40.58 73.17 -44.54% 41.93 50.90 -17.62% 77.52 73.37 5.66%
Tax 6.70 22.80 -70.61% 10.42 16.85 -38.16% 10.12 11.72 -13.65% 25.23 24.36 3.57%
PAT 35.60 65.41 -45.57% 30.16 56.32 -46.45% 31.81 39.18 -18.81% 52.29 49.01 6.69%
PATM 13.63% 23.29% 11.27% 20.19% 11.85% 14.30% 18.60% 17.00%
EPS 6.60 12.14 -45.63% 5.60 10.45 -46.41% 5.90 7.27 -18.84% 9.70 9.09 6.71%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Net Sales 261.11 280.81 -7.02% 267.59 278.97 -4.08% 268.43 273.98 -2.03% 281.17 288.22 -2.45%
Expenses 40.92 15.80 158.99% 46.62 30.11 54.83% 42.41 52.56 -19.31% 28.18 47.89 -41.16%
EBITDA 220.19 265.01 -16.91% 220.97 248.86 -11.21% 226.02 221.42 2.08% 252.99 240.33 5.27%
EBIDTM 84.33% 94.37% 82.58% 89.21% 84.20% 80.82% 89.98% 83.38%
Other Income 1.79 3.48 -48.56% 2.60 1.92 35.42% 2.62 2.37 10.55% 6.23 1.73 260.12%
Interest 175.72 178.25 -1.42% 179.32 175.56 2.14% 183.01 170.49 7.34% 178.19 165.61 7.60%
Depreciation 3.90 2.00 95.00% 3.62 2.06 75.73% 3.67 2.41 52.28% 3.47 3.09 12.30%
PBT 42.36 88.24 -51.99% 40.63 73.16 -44.46% 41.96 50.89 -17.55% 77.56 73.36 5.73%
Tax 6.71 22.80 -70.57% 10.44 16.85 -38.04% 10.12 11.72 -13.65% 25.23 24.36 3.57%
PAT 35.65 65.44 -45.52% 30.19 56.31 -46.39% 31.84 39.17 -18.71% 52.33 49.00 6.80%
PATM 13.65% 23.30% 11.28% 20.18% 11.86% 14.30% 18.61% 17.00%
EPS 6.62 12.15 -45.51% 5.61 10.46 -46.37% 5.91 7.27 -18.71% 9.72 9.10 6.81%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Sales 1,078.30 1,114.90 1,149.78 1,230.65 1,247.45 1,224.78 1,109.74 1,000.21 874.44 730.91 623.56 Net Sales Growth -3.89% -3.03% -6.57% -1.35% 1.85% 10.37% 10.95% 14.38% 19.64% 17.22% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,078.30 1,114.90 1,149.78 1,230.65 1,247.45 1,224.78 1,109.74 1,000.21 874.44 730.91 623.56 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 158.27 271.07 215.74 277.27 190.75 114.31 124.17 106.10 83.79 66.60 70.36 Power & Fuel Cost - 0.81 0.63 0.64 0.81 0.79 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0.07% 0.05% 0.05% 0.06% 0.06% 0% 0% 0% 0% 0% Employee Cost - 59.89 48.20 43.46 42.53 32.90 29.41 25.95 22.59 19.56 13.86 % Of Sales - 5.37% 4.19% 3.53% 3.41% 2.69% 2.65% 2.59% 2.58% 2.68% 2.22% Manufacturing Exp. - 13.84 11.46 16.94 10.51 14.18 13.17 11.78 11.10 11.55 9.14 % Of Sales - 1.24% 1.00% 1.38% 0.84% 1.16% 1.19% 1.18% 1.27% 1.58% 1.47% General & Admin Exp. - 29.28 22.57 23.28 32.71 23.51 15.88 30.88 30.70 20.33 18.80 % Of Sales - 2.63% 1.96% 1.89% 2.62% 1.92% 1.43% 3.09% 3.51% 2.78% 3.01% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 168.06 133.51 193.59 105.00 43.72 65.71 37.49 19.40 15.16 0.00 % Of Sales - 15.07% 11.61% 15.73% 8.42% 3.57% 5.92% 3.75% 2.22% 2.07% 4.58% EBITDA 920.03 843.83 934.04 953.38 1,056.70 1,110.47 985.57 894.11 790.65 664.31 553.20 EBITDA Margin 85.32% 75.69% 81.24% 77.47% 84.71% 90.67% 88.81% 89.39% 90.42% 90.89% 88.72% Other Income 13.20 158.84 6.62 8.90 7.46 2.87 2.12 1.53 1.93 1.83 1.36 Interest 716.24 702.93 701.55 823.25 945.76 865.56 712.76 667.84 600.65 508.93 419.25 Depreciation 14.66 9.94 8.71 4.48 6.13 0.72 0.64 0.70 0.82 3.51 2.05 PBT 202.33 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.11 153.70 133.26 Tax 52.47 76.60 56.83 28.98 66.66 75.25 68.65 79.37 66.61 50.74 35.71 Tax Rate 25.93% 26.43% 24.67% 21.54% 59.37% 30.46% 25.03% 34.95% 34.85% 33.01% 26.80% PAT 149.86 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 97.55 PAT before Minority Interest 149.86 213.20 173.57 105.57 45.61 171.81 205.64 147.73 124.50 102.96 97.55 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 13.90% 19.12% 15.10% 8.58% 3.66% 14.03% 18.53% 14.77% 14.24% 14.09% 15.64% PAT Growth -28.61% 22.83% 64.41% 131.46% -73.45% -16.45% 39.20% 18.66% 20.92% 5.55% EPS 27.80 39.55 32.20 19.59 8.46 31.88 38.15 27.41 23.10 19.10 18.10

Description TTM Mar 23 Mar 22
Net Sales 1,078.30 1,114.90 1,149.78 Net Sales Growth -3.89% -3.03% Cost Of Goods Sold 0.00 0.00 0.00 Gross Profit 1,078.30 1,114.90 1,149.78 GP Margin 100.00% 100% 100% Total Expenditure 158.13 271.04 215.80 Power & Fuel Cost - 0.81 0.63 % Of Sales - 0.07% 0.05% Employee Cost - 59.93 48.20 % Of Sales - 5.38% 4.19% Manufacturing Exp. - 13.84 11.46 % Of Sales - 1.24% 1.00% General & Admin Exp. - 29.21 22.60 % Of Sales - 2.62% 1.97% Selling & Distn. Exp. - 0.00 0.00 % Of Sales - 0% 0% Miscellaneous Exp. - 168.06 133.54 % Of Sales - 15.07% 11.61% EBITDA 920.17 843.86 933.98 EBITDA Margin 85.34% 75.69% 81.23% Other Income 13.24 158.86 6.62 Interest 716.24 702.93 701.55 Depreciation 14.66 9.94 8.71 PBT 202.51 289.85 230.34 Tax 52.50 76.60 56.83 Tax Rate 25.92% 26.43% 24.67% PAT 150.01 213.25 173.51 PAT before Minority Interest 150.01 213.25 173.51 Minority Interest 0.00 0.00 0.00 PAT Margin 13.91% 19.13% 15.09% PAT Growth -28.54% 22.90% EPS 27.83 39.56 32.19

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 1,699.31 1,510.82 1,357.82 1,263.09 1,254.00 1,118.37 838.22 731.80 660.37 610.48 Share Capital 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 53.88 Total Reserves 1,645.43 1,456.94 1,303.94 1,209.21 1,200.12 1,064.49 784.34 677.92 606.49 556.60 Non-Current Liabilities 8,725.89 9,689.11 9,860.60 10,916.05 10,304.04 9,436.64 6,766.08 5,717.45 4,523.05 3,758.58 Secured Loans 8,304.59 9,754.08 9,915.56 11,003.41 10,417.87 9,091.20 6,481.61 5,510.75 4,359.05 3,630.07 Unsecured Loans 490.00 50.00 50.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 16.50 12.17 15.34 9.78 6.68 462.98 251.57 218.14 201.60 188.91 Current Liabilities 409.77 602.03 1,302.12 822.60 1,290.93 931.69 1,800.19 1,560.69 1,499.65 1,088.66 Trade Payables 10.17 12.81 9.10 17.15 11.57 6.19 5.77 6.67 4.66 5.15 Other Current Liabilities 51.47 45.82 47.70 55.86 36.57 30.90 887.61 897.30 813.68 577.00 Short Term Borrowings 348.13 543.40 1,244.19 747.53 1,240.76 892.86 897.38 618.56 644.75 468.02 Short Term Provisions 0.00 0.00 1.13 2.06 2.03 1.74 9.43 38.16 36.56 38.49 Total Liabilities 10,834.97 11,801.96 12,520.54 13,001.74 12,848.97 11,486.70 9,404.49 8,009.94 6,683.07 5,457.72 Net Block 52.22 20.56 16.38 18.77 2.84 2.07 2.30 2.16 2.62 5.21 Gross Block 79.98 39.87 28.07 26.06 4.17 2.69 16.01 15.92 15.60 14.81 Accumulated Depreciation 27.76 19.31 11.69 7.29 1.33 0.62 13.71 13.76 12.98 9.60 Non Current Assets 10,501.69 11,275.21 12,404.61 12,881.04 12,792.23 11,423.36 8,934.44 7,600.33 6,328.66 5,098.13 Capital Work in Progress 8.82 29.14 28.72 13.44 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 75.05 15.16 14.25 13.58 13.50 13.01 26.47 9.80 9.83 9.93 Long Term Loans & Adv. 43.71 11.29 13.12 11.97 18.49 473.09 20.06 17.44 16.92 14.67 Other Non Current Assets 0.85 0.88 0.93 1.31 2.02 0.00 0.28 0.76 1.75 10.28 Current Assets 256.98 494.09 115.93 120.70 56.74 63.34 470.05 409.61 354.41 359.59 Current Investments 155.02 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.26 0.22 0.33 0.00 0.00 0.00 13.27 12.13 9.41 9.67 Cash & Bank 88.88 481.05 90.63 114.51 52.22 57.35 62.11 52.34 41.57 89.90 Other Current Assets 12.82 5.23 24.39 5.55 4.52 5.99 394.67 345.14 303.43 260.02 Short Term Loans & Adv. 7.59 7.59 0.58 0.64 0.46 1.89 393.37 343.94 302.72 257.96 Net Current Assets -152.79 -107.94 -1,186.19 -701.90 -1,234.19 -868.35 -1,330.14 -1,151.08 -1,145.24 -729.07 Total Assets 10,758.67 11,769.30 12,520.54 13,001.74 12,848.97 11,486.70 9,404.49 8,009.94 6,683.07 5,457.72

Description Mar 23 Mar 22
Shareholder's Funds 1,699.30 1,510.76 Share Capital 53.88 53.88 Total Reserves 1,645.42 1,456.88 Non-Current Liabilities 8,725.89 9,689.11 Secured Loans 8,304.59 9,754.08 Unsecured Loans 490.00 50.00 Long Term Provisions 16.50 12.17 Current Liabilities 409.78 602.03 Trade Payables 10.21 12.81 Other Current Liabilities 51.44 45.82 Short Term Borrowings 348.13 543.40 Short Term Provisions 0.00 0.00 Total Liabilities 10,834.97 11,801.90 Net Block 52.22 20.56 Gross Block 79.98 39.87 Accumulated Depreciation 27.76 19.31 Non Current Assets 10,500.96 11,274.40 Capital Work in Progress 8.82 29.14 Non Current Investment 74.30 14.41 Long Term Loans & Adv. 43.73 11.29 Other Non Current Assets 0.85 0.82 Current Assets 257.71 494.84 Current Investments 155.02 0.00 Inventories 0.00 0.00 Sundry Debtors 0.26 0.22 Cash & Bank 89.61 481.80 Other Current Assets 12.82 5.23 Short Term Loans & Adv. 7.59 7.59 Net Current Assets -152.07 -107.19 Total Assets 10,758.67 11,769.24

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 1,043.84 1,285.97 547.88 21.68 -1,645.32 -1,721.34 -1,177.79 -1,166.80 -1,102.62 -661.69 PBT 289.80 230.40 134.55 112.27 247.06 274.29 227.10 191.10 153.70 133.26 Adjustment -382.78 -313.57 -210.61 -200.78 -324.80 -329.79 31.44 14.65 14.27 25.51 Changes in Working Capital 835.02 1,001.07 276.86 -141.82 -1,832.62 -54.13 -1,364.32 -1,312.14 -1,221.95 -775.65 Cash after chg. in Working capital 742.04 917.90 200.80 -230.33 -1,910.36 -109.63 -1,105.78 -1,106.39 -1,053.98 -616.88 Interest Paid -700.40 -698.97 -822.87 -945.38 -868.95 -712.77 0.00 0.00 0.00 0.00 Tax Paid -63.52 -69.55 -50.45 -35.80 -86.65 -41.80 -72.01 -60.41 -48.64 -44.81 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 1,065.72 1,136.59 1,220.40 1,233.19 1,220.64 -857.14 0.00 0.00 0.00 0.00 Cash From Investing Activity -212.85 -3.95 -13.84 -10.63 1.15 1.55 -16.00 1.60 0.70 0.46 Net Fixed Assets -19.79 -12.22 -17.29 -35.33 -1.48 13.32 -0.09 -0.32 -0.79 -0.20 Net Investments -214.91 -0.91 -0.67 -0.08 -0.49 13.46 -16.67 0.03 0.10 0.00 Others 21.85 9.18 4.12 24.78 3.12 -25.23 0.76 1.89 1.39 0.66 Cash from Financing Activity -1,238.36 -891.77 -557.91 51.08 1,638.87 1,714.82 1,203.39 1,174.38 1,104.70 647.46 Net Cash Inflow / Outflow -407.37 390.25 -23.87 62.13 -5.30 -4.97 9.60 9.18 2.78 -13.77 Opening Cash & Equivalents 477.01 86.76 110.63 48.50 53.80 58.77 50.37 41.19 38.41 52.18 Closing Cash & Equivalent 69.64 477.01 86.76 110.63 48.50 53.80 59.97 50.37 41.19 38.41

Description Mar 23 Mar 22
Cash From Operating Activity 1,043.15 1,285.97 PBT 289.85 230.34 Adjustment -382.78 -313.57 Changes in Working Capital 834.28 1,001.13 Cash after chg. in Working capital 741.35 917.90 Interest Paid -700.40 -698.97 Tax Paid -63.52 -69.55 Other Direct Exp. Paid 0.00 0.00 Extra & Other Items 1,065.72 1,136.59 Cash From Investing Activity -212.85 -3.26 Net Fixed Assets -19.79 Net Investments -214.91 Others 21.85 Cash from Financing Activity -1,238.36 -891.77 Net Cash Inflow / Outflow -408.06 390.94 Opening Cash & Equivalents 477.76 86.82 Closing Cash & Equivalent 69.70 477.76

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value (Rs.) 315.56 280.56 252.14 234.55 232.86 207.68 155.65 135.89 122.63 113.36 ROA 1.88% 1.43% 0.83% 0.35% 1.41% 1.97% 1.70% 1.69% 1.70% 1.92% ROE 13.28% 12.10% 8.06% 3.62% 14.48% 21.02% 18.82% 17.89% 16.20% 16.80% ROCE 8.75% 7.63% 7.49% 8.16% 9.27% 9.78% 10.65% 11.16% 11.31% 11.29% Fixed Asset Turnover 18.60 33.85 45.47 82.53 357.08 118.69 62.65 55.48 48.07 42.39 Receivable days 0.08 0.09 0.10 0.00 0.00 0.00 4.63 4.50 4.76 5.54 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 82.89 63.17 47.93 56.38 57.14 49.35 60.67 Cash Conversion Cycle 0.08 0.09 0.10 -82.89 -63.17 -47.93 -51.74 -52.64 -44.58 -55.14 Total Debt/Equity 5.38 6.85 8.26 9.30 9.30 8.93 9.83 9.57 8.77 7.62 Interest Cover 1.41 1.33 1.16 1.12 1.29 1.38 1.34 1.32 1.30 1.32

Description Mar 23 Mar 22
Book Value (Rs.) 315.56 280.54 ROA 1.88% 1.47% ROE 13.29% 11.49% ROCE 8.75% 7.86% Fixed Asset Turnover 18.60 28.84 Receivable days 0.08 0.07 Inventory Days 0.00 0.00 Payable days 0.00 0.00 Cash Conversion Cycle 0.08 0.07 Total Debt/Equity 5.38 6.85 Interest Cover 1.41 1.33

Top Investors:

life insurance corporation of india

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Annual Reports:

News Update:

GIC Housing Fin - Quarterly Results
5th Feb 2024, 19:05 PM

Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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